Mattress Firm Credit Card Review

Mattress Firm Credit Card is a credit card issued by Synchrony Bank. If you're wondering whether Mattress Firm Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 60 months, which is longer than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 60 months.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
• No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

Mattress Firm Credit Card Pros and Cons:

The Good

The Bad

0% APR: 5 years with a minimum purchase of $2799, 4 years with a minimum purchase of $1999, 3 years with a minimum purchase of $1299, 2 years with a minimum purchase of $999 on your Mattress Firm credit card. 60, 48, 36 or 24 equal monthly payments required. 0% APR balance transfer intro rate on balance transfers for up to 60 months. No balance transfer fee. 0% APR on new purchases during the first 60 months. No annual fee. Considers applicants with fair or poor credit. Mattress Firm Credit Card reports to multiple credit bureaus.

If cardholders do not pay their balance off in full within the promo period, interest will be charged on the promo purchase from the purchase date. Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card rewards.

Is there a Mattress Firm Credit Card cash back or rewards program?

No, Mattress Firm Credit Card does not offer a rewards program. This card features rewards for purchases in the following categories:

• Furniture

What are the relevant APRs for Mattress Firm Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Mattress Firm Credit Card has higher than average purchase APRs.

Mattress Firm Credit Card has a variable purchase APR of 29.99%.

What are the fees for Mattress Firm Credit Card?

The following fees apply to Mattress Firm Credit Card:

Mattress Firm Credit Card Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	$38

Does Mattress Firm Credit Card report your account activity to credit bureaus?

Mattress Firm Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Mattress Firm Credit Card

• Visit the Mattress Firm Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.